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I would also suggest that in describing the vehicle, it distinguishes it from car/bus/truck etc, and therefore infers the potential severity of the accident
So saying car/bus/lorry/ driver would address this issue of severity of the incident (saying accident also either presumes no fault or at least no intention which may not be the case)
I would imagine that in terms of litigation, a driver is probably better funded to defend themselves legally. But like I said, this is just hypothetical, I could be very wrong, just an opinion.
Edit: I would also suggest that in describing the vehicle, it distinguishes it from car/bus/truck etc, and therefore infers the potential severity of the accident.